Clay County property record for 1977 Summit Ridge Rd, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,857 sqft · built 2005 |
| Lot Size | 0.502 acres (21,849 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,646 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jul 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-26-014264-004-52 |
| Primary APN | 07-05-26-014264-004-52 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,857 sqft Living Area |
| Gross Area | 4,779 sqft |
| 1st Floor Area | 2,585 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 21,849 sqft (0.502 acres) |
| Garage Type | Attached |
| Garage Area | 801 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 384 sqft |
| Patio Area | 750 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1977 SUMMIT RIDGE RD |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-4969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 52 CYPRESS CREEK @ EAGLE HARBOR AS REC OR 4748 PG 149 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 07 |
| Legal Subdivision | CYPRESS CREEK |
| Legal Lot Number | 52 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30707 |
1977 Summit Ridge Rd is owned and occupied by two individuals who acquired it in August 2023.
Source: Clay County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2023 | Deed, Transfer · VA Mortgage LOW VA RATES LLC |
| Jul 13, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2023 |
| Deed Sale | Aug 14, 2023 |
| Prior Sale | Sep 1, 2016 · Amount on File |
| Deed Document Number | 202341067 |
| Deed Book / Page | 4748 / 149 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Aug 14, 2023 |
| Property Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0047480149 |
| Book / Page | 4748 / 149 |
| Map Reference | MB 42 PG 1-16 |
| Instrument Date | Aug 10, 2023 |
| Instrument | 2023041067 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,162.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0004748151 |
|---|---|
| Date | Aug 14, 2023 |
| Instrument | 4748/151 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 10, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jul 13, 2023 |
| Property Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0047380275 |
| Book / Page | 4738 / 275 |
| Map Reference | MB 42 PG 1-16 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 2023034941 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1977 SUMMIT RIDGE RD, FLEMING ISLAND, FL 32003-4969 |
| Document Number | 0044930725 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 4493/725 |
| Instrument | 2021049214 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 1977 Summit Ridge Rd was $8,646, up 4.7% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,646.00 (+4.7%) | $617,029 | $705,112 Land $120,000 Building $585,112 |
| 2024 | $8,258.00 (-31.15%) | ||
| 2023 | $11,994.00 (+10.95%) | $654,473 (+14.63%) Land $120,000 Building $534,473 | $654,473 (+14.63%) Land $120,000 Building $534,473 |
| 2022 | $10,810.00 | $570,929 Land $90,000 Building $480,929 | $570,929 Land $90,000 Building $480,929 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1977 Summit Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 90 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 90 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1977 Summit Ridge Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
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